CALLING ALL BOATING ENTHUSIASTS! Start every day with BREATHTAKING, MILLION-DOLLAR VIEWS from this hidden WATERFRONT GEM on TERRA CEIA BAY. From the comfort of your living room, watch DOLPHINS and MANATEES glide by—bringing a daily dose of nature's magic right to your doorstep. This HOME SITS HIGH AND DRY—NO WATER INTRUSION FROM LAST YEAR’S HURRICANES. Set on a rare DOUBLE LOT with 165 FEET OF WATER FRONTAGE, this spectacular property delivers PANORAMIC BAY VIEWS and STUNNING SUNSETS from nearly every room. Enjoy the benefits of being GRANDFATHERED IN WITH ONLY $100/YEAR DUES—a massive savings compared to other homes in the community that pay monthly fees. IT WILL SAVE YOU OVER $4K/ANNUALLY IN HOA PAYMENTS. EVEN BETTER, you maintain FULL CONTROL OF YOUR LOT with NO HOA APPROVAL REQUIRED—but still gain access to all the community amenities! Boaters will find their paradise here: THREE DOCKS and a 10,000 LB. BOAT LIFT provide DIRECT GULF ACCESS with NO BRIDGE RESTRICTIONS. Use one dock for yourself and RENT THE OTHERS FOR EXTRA INCOME—or lease all three! A major BONUS: the seller is offering an ASSUMABLE FLOOD POLICY FOR ONLY $1,250/YEAR—A HUGE COST SAVINGS for the next owner. The home also features a BRAND-NEW ROOF with a TRANSFERABLE LIFETIME WARRANTY and hurricane straps for added peace of mind. Located in the exclusive Tropic Isles community—NOT UNDER CO-OP GOVERNANCE—you OWN THE LAND with NO LOT RENT. This 1,674 SQ FT home is beautifully laid out with 2 BEDROOMS, 2 BATHROOMS, GORGEOUS HARDWOOD FLOORS, and an OPEN-CONCEPT DESIGN perfect for entertaining. Recent upgrades include a NEW AC SYSTEM with 10-YEAR WARRANTY, NEW HOT WATER HEATER, an OVERSIZED CARPORT, DETACHED ONE-CAR GARAGE, and a utility shed for extra storage. Tropic Isles is one of Florida’s most UNIQUE BOATING COMMUNITIES, with DIRECT ACCESS TO TAMPA BAY AND THE GULF OF MEXICO. The neighborhood buzzes with activities like parties, dances, golf, and softball. Plus, you're just 12 MILES FROM ANNA MARIA ISLAND’S BEACHES and minutes from EMERSON POINT NATURE PRESERVE. Surrounded by WATERFRONT DINING and UNBEATABLE SUNSET VIEWS, this home offers a rare blend of adventure, relaxation, and true OLD FLORIDA CHARM. This is more than a home—it's a lifestyle. Don’t miss your chance to own this COASTAL PARADISE!